I found Joshua through an online search for loan forgiveness lawyers. I have $170,000 in total outstanding student loan debt and it's been a real source of stress and anxiety in my life. I specifically wanted to know how much of my income I could expect to outlay on incoming federal student loan paym...ents during my first year filing taxes with a decent yearly salary. I wanted to know what my options were and what I could expect. After sending Joshua all of my National Student Loan Data we arranged to have a consultation the following week. He got a brief rundown of my current income and was able to quickly come back to me with a payment figure and plan of action that was way less frightening than I thought it would be. He was really clear about what could and couldn't be done in terms of negotiating with loan providers and gave really thorough advice on what to consider - even for the plan that worked best for me. I might have wanted to know how he arrived at that number and whether or not I could have gotten an even more amenable figure. In a perfect world, I also would have better details from my conversations with my private student loan providers and would have wanted a plan of action on how to negotiate with them as well - but I understood that my options were limited when it came to private loan providers. In the end though, all of that is splitting very fine hairs when considering that I came away from our conversation with a much better understanding of what to expect and that I wouldn't have to give my first-born child to Sallie Mae - a sense of peace I wouldn't have had were it not for Joshua's counsel. He was even gracious enough to let me know to reach out to him in case things changed with my marital status to see if I could get the number re-adjusted in that case. And I had never had someone run through the 25-year timeline for Public Loan forgiveness with me before either. All in all, he was a very knowledgeable and reassuring legal professional for a process that completely eludes me. I couldn't recommend him enough to anyone interested in his services.

After having the initial meeting with Joshua, I felt very relief and wished that I should talk to him a lot earlier. He is very knowledgeable with the situation that I am in and has answered all my questions clearly. He was also layout all the approaches and game plan in sequential order for me to fo...llow and provide guidance along the way. I would be more than happy to recommend Joshua to anyone who needs help with legal issues in consumer protection and debt. Two thumbs up for Joshua's professionalism. I love you :)

To be honest, I was a little skeptical when I went into my appointment, doubtful of what could be done in 30 minutes. I had gone into the appointment with a defeatists attitude after a year and a half of student loans that consumed so much of my income. Josh was able to do his thing with the numbers ...and calculations and significantly reduce my monthly payments. He was thorough in his explanations and painted a clear picture of what the process would look like in the short term and the long term. His sense of humor was much appreciated as well, I left the consultation with a new sense of hope and financial freedom. I highly recommend!